The financial crisis in the beginning of the 1990´s the financial crisis had a strong impact on the Swedish economy. Some of the main actors in the crisis were the largest banks of Sweden which brought a huge amount of losses on themselves. One of the main reasons for this was that the banks focused on volume increases rather than on credit losses. The credit analysis process is performed differently these days and it is the development of this process that is the focus for the authors.This thesis is about the credit analysis process in the four largest banks of Sweden. The purpose of the thesis is to highlight which factors the banks include in the credit analysis process and in how small and medium size companies are treated in this process.

Primary ciliary dyskinesia (PCD) is an important but unusual cause of chronic respiratory disease of young dogs. The purpuse of this paper is to study and present internationally publicated papers on PCD in dogs and present three dogs, in which PCD was suspected. PCD has been reported in many dog breeds as well as in people. In dogs an humans, PCD is caused by inborn genetical defects which causes structural and functional abnormalities of cilia in the respiratory organs and other cilia in the body. Situs inversus occurs in about half the cases in people and probably in dogs as well. Respiratory signs usually predominate.

AbstractThis report intends through a case study to investigate if lightweight concrete isappropriate as main material in the outer wall of a seven storey residential building.A technical design is carried out in accordance with the definitions and requirementsfor passive houses, given by FEBY?s1 ?Demand specification for passive houses?.A literature review is also carried out for a comparison between regular bolt wall andlight weight concrete wall, with a focus on the safety of moisture.The lightweight concrete block used in the report is as a celblock produced by thecompany H+H Sweden AB.The methods used have resulted in compliance with requirements andrecommendations from authorities. Calculations of energy, noise and moisture riskassessment has been carried out.The work has resulted in the conclusion that the lightweight concrete itself is notable to isolate in the extent necessary to obtain chosen U-value of 0,1 W/m2 ° C,without getting to thick. Therefore additional insulation is needed. There are fewrelevant reference objects built with only light weight concrete.

Detta examensarbete syftar till att utreda vilka skillnader som råder mellan livslängdsprovning för transmissioner i rigg respektive fält för hjullastare på Volvo Construction Equipment (Volvo CE). Hjullastare benämns maskin i den följande texten. Uppgiften har delats upp i tre delar; ? Kartläggning av riggens uppbyggnad samt vilka tester som utförs i rigg respektive maskin i dagsläget. ? Analysera vilka effekter dagens skillnader i testning har på de transmissioner som provas i rigg respektive maskin.

This study looks into the possibility, and profitability, of expanding a pilot project that has been put into action at GGP Sweden AB in Tranås, a manufacturing company that produces front mowers. The pilot project is meant to give GGP Sweden AB a more precise control of the flow of goods from their suppliers, and its essence has proven to be quite similar to the Japanese Just-in-Time philosophy.The study has been divided into four separate areas; mapping, supplier selection, supplier evaluation and cost analysis. These areas represent a holistic perspective on the expansion of the pilot project and cover topics varying from methods of finding suitable JIT-suppliers, constructing Key Performance Indicators (KPI) to reviewing costs and assessing profitabilities.In this report, the reader will initially take part in the works of mapping GGP?s manufacturing unit, pilot project and supplier base, which results in a list containing the most suitable suppliers for a Just-in-Time based collaboration. Afterwards, the reader will be led into the area of supplier evaluation, where five KPI?s are created with the purpose of ensuring that GGP will be able to evaluate their suppliers and pilot project in an effective way.

The system tungsten-oxygen has potential of being suitable for decorative coatings since ceramic coatings are often hard and wear resistant, and since modulations in oxygen content or incorporation of small ions could give bright colours. The aim of this report was to investigate the relationship between process parameters and  the properties of the films, with the wear resistance being of special interest.Samples with tungsten to oxygen ratios in the range of 100:0 to 25:75 at% were made using reactive sputter deposition, either with constant gas flow, or gas flow controlled by optical emission of the plasma. The hysteresis of the system, which means that a certain gas flow will cause different pressure and/or target voltage depending on in what way the flow is reached, makes it interesting to control the process where the system makes the steep change from metallic tungsten to ceramic tungsten oxide. This is difficult and thus requires precise control equipment.The samples were analysed using X-ray diffraction, X-ray photoelectron spectroscopy and an empirical wear test suitable for small components like cell phone cover for example, in order to characterize the structure, composition and wear resistance of the coatings. The results could be divided into three groups: (I) tungsten-like, with very low oxygen content; (II) mixed phase and (III) tungsten oxide like, with oxygen content close to 75 at%.

This Master´s thesis aims to aquire knowledge about volunteers attitude toward work. It emphasis is on the differences between volunteers and non volunteers. There are four research questions used in order to fulfill the aim in a scientific manner. The essay aims to get in depth knowledge regarding whether or not the respondents feel that they have gained advantages in work life due to the fact that they are involved in volunteer work. One of the pivotal questions is if there is a possibility to see a pattern that binds together the reasons for volunteer work and the attitude toward work.

To be competitive in the corporate climate of today it is important to have effective logistic activities. A common resource within the internal logistics is forklift trucks, which are used to lift and transport material. It becomes more and more important to decide whether to buy, lease or rent the forklifts to obtain an optimal economic situation. Many companies have issues with internal pricing. It is difficult to price products and services correctly. It is common to price the overall instead of what it really costs.The purpose of the thesis is to present a model for the acquisition of forklifts for internal logistic operations, regarding financing and internal pricing, to obtain economic effectiveness and an optimal forklift fleet size. The study focused on a specific research question, and for this purpose interviews with experts were held, observations were made and a literature study was done.

In Automatic Milking Systems (AMS), cows are kept in a free stall barn equipped with one or several milking units (MU). The cows? activities in the system are called cow traffic. There are three types of cow traffic systems: guided, partly-guided and free. Free systems have no gates, allowing the cows access to the feeding and resting areas at any time.

The Swedish emigrants, in 1901-1904, were displeased with their home country, so they moved to America with hope to find a better life. Even though they were displeased they still had a great love for their home country and tried to either create a ?new Sweden? (the Swedish-Americans), or they traveled back to their families, hopefully with savings big enough to buy their own home. Sweden did not have a homestead act like the Americans did, which probably is the biggest reason to the emigration. There was also the question of each individual?s right to vote.

Miljo och energi ar tva faktorer som blir allt viktigare, och energisnala hus har nufunnits en tid pa marknaden. Att ta lagenergihus ett steg langre, och goraplusenergihus som levererar mer energi an vad den gor av med, ar inte lika valtestat i Sverige annu. Da tjockleken pa vaggarna blir storre ar det ocksa viktigareatt hitta tekniker som minskar koldbryggor vid anslutningar.For att forsta hur man pa basta satt ska utforma och konstruera dessa husbehovs kunskap om material, koldbryggor, byggnadsdetaljer, klimat ochuppvarmningssystem. Bland annat har en analys av vilka olika varmesystem sompassar bra for ett lag-/plusenergihus gjorts i denna examensrapport, med stod avreferensobjekt. For att huset i framtiden ska kunna utnyttjas som ett plusenergihusbehovs ett system som har kapacitet att lagra energi under en kortare tid.

The chow-chow breed is considered to have a low fertility and this report is an in depth study of the reproductive functions of this breed in Sweden. Only 53 % of the Chow-chow matings results in litters. Previous studies of other breeds in commercial kennels shows mating results around 85-90 %, but this has not been investigated in hobby kennels and most Chow-chows which are bred from in Sweden, are kept as family pets. Contrary to most other breeds, Chow-chows show a seasonal reproductive pattern and most litters are born in the autumn. The influence of the month of mating on pregnancy rate and litter size was found to be not significant, but can be considered a trend. Thirty-nine females with previous known fertility problems where studied. Some of them had reached puberty extremely early, at an age between 4-5 months, and many of the bitches showed great fluctuations in intervals between oestrus cycles. Some of the females showed abnormalities such as very short oestrus intervals of only 2-3 months, probably without ovulating.

Syftet med föreliggande studie är att undersöka hur ledare på högre nivå idag ser på begreppen ledarskap och kommunikation. Jag har studerat hur dessa ledare konstruerar begreppet ledarskap och kommunikation och förhållandet dem emellan. Jag har ställt frågor som syftar till hur de idag ser på begrepp som dessa, samt också spårat uttalanden som skiljer på dialog och diskussion, transmission eller meningsskapande kommunikation. Vad gäller ledarskap har jag spårat uttalanden som kan belysa varifrån konstruktioner om ledarskap kommer. Problemet som jag ser det, är att de värderingar som implicit ligger i begreppet ledarskap motarbetar de ledarskapsfilosofier som gör ett försök att utveckla framtidens ledarskap genom att lägga på olika adjektiv som kommunikativt, visionärt, symboliskt etcetera.Jag vill alltså i denna studie lyfta fram ett synsätt som lägger fokus på kommunikationen, inte ledarskapet, med tanke på att det idag argumenteras för något som kallas kommunikativt ledarskap.

The aim of this essay was to study the nitrogen flow in two willowplantations, at different locations in the south of Sweden, that wereirrigated with sewage. The study was also performed to compare thedifferences in nitrogen flows between two years, 1998 and 1999. The studywas made in three parts. First, the denitrification activity was measuredusing the acetylen inhibition method. Second the nitrogen flow, as well asthe water- and heat flows, were modeled through the SOIL-SOILN-modelThird; the nitrogen flow was calculated to compare with the results fromthe model.The results from the measurements were then compared with the resultsfrom the SOILN-simulations to detect differences in the denitrificationrate.

There is a shortage of locally produced high quality protein concentrates in Europe andSweden. Local production would decrease the dependency on imported soybean and meet thedemand for organically grown feedstuff from ecological dairy farmers. Field bean (Viciafaba), peas (Pisum sativum) and sweet lupin (Lupinus angustifolius) are good alternatives tosoybean, but contain anti-nutritional substances (ANS) that could reduce their use as proteinconcentrates in dairy cow diets. The aim of this literature study was to review which ANSfield bean, peas and sweet lupin contain and whether they affect dairy cows negatively.Trypsin inhibitors and Chymotrypsin inhibitors (TI) were present in all three crops. TI couldbecome inactivated and degraded in the rumen, but due to the high passage speed of thedigesta, most TI left the rumen in an active state.